If I marry after retirement, can I provide a survivor annuity?
Yes. There will be two reductions in your annuity if you elect to provide the survivor benefit. One will be the standard reduction to provide the survivor benefit; the reduction depends on whether you have elected to provide a full survivor annuity or a partial survivor annuity.

The other reduction is a permanent actuarial reduction to pay a deposit of the difference between the new annuity rate and the annuity paid to you for each month since retirement, plus 6 percent interest. The reduction is determined by dividing the amount of the deposit by an actuarial factor for your age on the date your annuity is reduced to provide the survivor benefit.

The first reduction will be eliminated from your annuity if your marriage ends but the second will not.

2020 Digital Almanac

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